Property Investment Loan
⚡Build wealth through property
Property Investment Loan
Suitable For
✓ First-time investors entering the rental market
✓ Experienced investors expanding their portfolio
✓ Borrowers leveraging equity for additional purchases
✓ Clients planning long-term wealth and cash-flow strategies
Loan Purpose
✓ Purchase residential investment properties
✓ Leverage existing equity to fund deposits or multiple acquisitions
✓ Finance renovations or value-adding upgrades
✓ Structure lending for rental yield, tax efficiency, and portfolio growth
Loan Structure
✓ Variable, fixed, split, or interest-only options
✓ Lending assessed on rental income, existing liabilities, and asset position
✓ Equity-release pathways to support new purchase deposits
✓ Negative gearing and cash-flow modelling considerations
✓ Loan structures designed for scalability across future acquisitions
Success Story
First-Time Investor Entering the Market
A single applicant in Melbourne purchased their first investment unit using equity from their owner-occupied home. Rental income covered most repayments, enabling a strong cash-flow position and a clear path to portfolio expansion.
Couple Building a Portfolio
A Brisbane couple used strategic refinancing to unlock equity from two properties. With tailored interest-only structuring, they secured a third investment townhouse without straining monthly cash flow.
Renovation Investor Adding Value
A Sydney investor purchased an older apartment and used an investment loan with renovation finance capability. Post-renovation valuation increased equity, allowing a future purchase earlier than expected.
Advantages
EQUITY USE
Unlock existing equity to fund deposits and expand your portfolio.
YIELD FOCUS
Structure lending around rental income strength and cash-flow needs.
TAX BENEFIT
Access negative gearing and depreciation advantages where applicable.
GROWTH READY
Flexible loan options support multi-property scaling.
FAQ
Contact QLoans.au for the latest policies, rates, and industry updates.
How much deposit do I need for an investment property?
Most lenders require 10–20%, though equity can replace part or all of the deposit.
Can I use equity from my home to invest?
Yes. Many investors use equity release to fund deposits or renovations.
Are interest-only repayments available?
Yes. Many lenders allow interest-only periods to support cash-flow strategies.
Does rental income help with borrowing capacity?
Yes. Lenders include a portion of rental income, typically 70–80%, in assessments.
Can I buy through a company or trust?
Yes, depending on lender policy. Structures affect rates, documentation, and borrowing capacity.
What makes QLoans.au different from going directly to a bank?
A conversation with QLoans.au can uncover loan solutions that one lender alone might not offer. Our expert brokers compare competitive options across banks, non-banks, and specialist lenders, keeping you informed on current policies. From pre-assessment to post-settlement, we provide guidance to streamline the entire process and maximise your options.
Pre-qualify for a loan
Check your estimated loan range and compare three rates tailored to your borrowing position.
If a loan isn’t suitable right now, we’ll help you get ready for when it is.
✓ Connect with a broker, not an AI assistant
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